Rev . 7/2010
FACTS
WHAT DOES Crow Wing Power Credit Union DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include: * Social Security number and account balances and credit history * payment history overdraft history and checking account information * When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share member's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member's personal information; the reasons Crow Wing Power Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Crow Wing Power Credit Union share?
Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
yes
no
For our marketing purposes— to offer our products and services to you
yes
no
For joint marketing with other financial companies
no
We don't share
For our affiliates' everyday business purposes— information about your transactions and experiences
no
We don't share
For our affiliates' everyday business purposes— information about your creditworthiness
no
We don't share
For nonaffiliates to market to you
no
We don't share
Questions?
Call 218-829-2827 or go to www.cwpcu.org
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Who we are Who is providing this notice?
Crow Wing Power Credit Union
What we do How does Crow Wing Power Credit Union protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Crow Wing Power Credit Union collect my personal information?
We collect your personal information, for example, when you
Why can't I limit all sharing?
Federal law gives you the right to limit only
* * *
Open an account or apply for a loan deposit, withdraw or provide employment information Show your government issued ID
* sharing for affiliates' everyday business purposes—information about your creditworthiness * affiliates from using your information to market to you * sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions Affiliates
Companies related by common ownership or control. They can be financial and nonfi nancial companies. *
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies. *
Joint marketing
Crow Wing Power Credit Union does not share with nonaffiliates so they can market to you
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. *
Other important information
Crow Wing Power Credit Union has no affiliates
Crow Wing Power Credit Union doesn't jointly market